Lubbock Texas Auto Insurance Savings the Big Companies Don’t Want You to Know About

Paying for high-priced auto insurance can take a big chunk out of your personal savings and put a big crunch on your finances. Comparison shopping is a great way to make sure you’re not throwing money away.

Insurance companies such as Allstate, Progressive and GEICO constantly blast consumers with catchy ads and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.

It’s smart to shop coverage around periodically because prices change quite often. If you had the best deal two years ago you can probably find a better price now. Block out anything you think you know about auto insurance because you’re about to learn the fastest and easiest way to reduce your cost while improving coverage.

Free Quotes for Auto Insurance in Lubbock

The are a couple different ways to compare rate quotes from auto insurance companies in your area. The fastest way to find the lowest rates is simply to get online rate quotes. This is very easy and can be done using a couple different methods.

  1. Probably the best way to find low rates is a comparison rater form like this one (opens in new window). This type of form eliminates the need for repetitive form entry to each individual auto insurance company. One form submission gets you coverage quotes from multiple companies.
  2. A slightly less efficient method to get comparison quotes consists of going to the website of each company and request a quote. For example, let’s say you want to compare rates from USAA, Progressive and Allstate. To get each rate you have to go to every website and enter your information, which is why the first method is quicker.

    To view a list of companies in Lubbock, click here.

  3. The most time-consuming way to compare rates is to spend time driving to local Lubbock insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you want the professional advice only provided by licensed Lubbock agents. You can, however, price shop your coverage online and still use a local agent.

Which method you use is up to you, but compare identical coverage information on every quote. If each company quotes higher or lower deductibles it will be impossible to determine the lowest rate in Lubbock. Quoting even small variations in coverages may cause a big price difference. And when quoting auto insurance, remember that having more price comparisons will increase your chances of finding better pricing.

Discounts are basically free money

Companies that sell car insurance don’t list every discount very well, so the following is a list of both well-publicized and the harder-to-find ways to save on auto insurance.

  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Drive Less and Save – Keeping the miles down can qualify you for discounted rates on garaged vehicles.
  • Driver Safety – Successfully completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Payment Method – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Organization Discounts – Being a member of a civic or occupational organization could qualify you for a break on your policy.
  • No Accidents – Claim-free drivers can save substantially compared to bad drivers.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% with certain companies.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like you could get a free auto insurance policy, you’re out of luck.

For a list of insurance companies who offer auto insurance discounts in Texas, click here to view.

compare rates in Lubbock

More tips and info about auto insurance can be read at the Texas Department of Insurance website. Texas consumers can read state legal mandates and laws, discover disciplinary actions, and learn about specific coverages.

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